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Secure & Private

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  • Borrow from £10,000 to £500,000
  • Flexible repayment terms, up to 30 years
  • Over 40 years’ experience in secured lending
  • FCA authorised and regulated lender
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Authorised & Regulated by the Financial Conduct Authority (FCA).

Who are Norton Finance?

Norton Finance is one of the UK’s oldest specialist consumer finance platforms. The company has been around for over 40 years in secured lending. It is based in Rotherham. The company is known for keeping traditional lending values while also using new ways to help customers. Norton Finance works hard to give good service every time.

Norton Finance has many types of home loans. The company offers secured homeowner loans and loans for debt consolidation. They also have special credit products you can choose from. Norton Finance is authorised and controlled by the Financial Conduct Authority. You can check the company registration number on the Financial Conduct Authority’s website. Norton Finance belongs to the Association of Mortgage Intermediaries, which shows they want to be sure of high professional standards.

What types of loans do Norton Finance offer?

Norton Finance has several personal loan options. These are made to help with different borrowing needs.

  • Secured homeowner loans (second charge mortgages)

    • You can borrow between £10,000 and £500,000
    • The time to pay back is up to 30 years
    • These loans use your home or many various property types for security. A buy-to-let property can also be used
  • Debt consolidation loans

    • You can put together more than one personal loan, credit card, or overdraft so you have just one bill to pay each month
    • The plan could lower the total amount you pay every month by making the term of the debt longer
  • Guarantor loans

    • A family member or a friend can back your loan
    • This can help people who have poor credit scores
  • Unsecured personal loan products

    • A smaller amount of money can be borrowed without using your property as security
    • You will get fewer options than with secured borrowing

Norton Finance Loan Eligibility

To get a secured loan from Norton Finance, you will need to meet these main requirements:

  • You need to be at least 21 years old.
  • You must live in England, Wales, or Scotland.
  • You have to own a home with enough equity.
  • You already need to have a first charge mortgage loan set up.
  • You must meet a minimum income limit, and this can be different for each product.
  • You have to show proof of your income and where you live now.
  • People with bad credit or poor credit scores can still get considered if they have enough equity.

Every Norton Finance loan application looks at the borrower's personal circumstances and if they can afford the loan.

Norton Finance Loan Eligibility

Key Features of Norton Finance Loans

  • The loan amount can be from £10,000 to £500,000. The maximum loan amount depends on your equity and what you can afford.
  • You can choose repayment terms from 3 years up to 30 years.
  • You may borrow up to the maximum ltv of about 95%. This is after taking away your current mortgage from the calculation.
  • Loans are there for various property types. The loans can go for homes you live in, places you rent out, or sometimes limited company applications.
  • There is a choice between fixed or variable homeowner loan rates (APR).
  • The fees are clear from the start. Any lender fee or broker fee will be told to you upfront. You will not get any hidden charges.
  • These loans are good for debt consolidation, improving your home, buying a car, or making a first investment in property.
  • There are flexible criteria. People with poor credit scores may still get a loan if there is enough equity.

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How does Norton Finance compare to other secured loan providers in terms of interest rates?

Norton Finance gives you rates that are good when put next to mainstream lenders and other special loan companies.

  • Norton Finance gives some of the largest loan amounts in the UK market. You can get up to £500,000.
  • The APR depends on your credit, the loan amount, and the length of the loan. Still, the rates are often lower than what you get with credit cards and many unsecured loans.
  • You can pick between fixed-rate loans or ones with a rate that goes up or down.
  • Norton Finance is known for being open about costs. There are no hidden fees, and all charges are made clear.

Compared to a normal mortgage lender, Norton gives you more choices that fit your needs, especially with second charge lending. There is a rising popularity of second charge mortgages in the market now. A lot of people like second charge mortgages because they do not have to touch their standard mortgage when they want to get extra money or use their home to free up some extra cash. Choosing a second charge can help you get additional funds without changing your standard mortgage.

What do customer reviews say about Norton Finance secured loans?

Customer reviews of Norton Finance highlight:

What do customer reviews say about Norton Finance secured loans
  • The advisers here give a personal touch and are always ready to help. You get strong customer service from them.
  • There is clear communication at every step when you are going through the loan application process.
  • These people help those applicants who have poor credit scores. You may have a hard time with some other lenders, but they still support you.
  • Many feel good about how this company finds solutions that fit them by using its wide panel of lenders.

Some reviews say that the process may take a few weeks, mainly when you need to get valuations. But, many people feel good about the help and support given by Norton’s team of qualified professionals. They are there for their clients at every step of the way and make sure you feel guided through it all.

Pros and Cons of Norton Finance Loans

Pros Cons
Loan amounts up to £500,000 Home is at risk if repayments missed
Repayment terms up to 30 years Application can take several weeks
Consideration for applicants with poor credit scores May require a property valuation
Transparent process with no hidden fees Arrangement or early repayment fee may apply
Strong industry reputation (40+ years) Longer terms increase total cost of borrowing

What documents do I need for a Norton Finance loan application?

When you want to get a secured loan with Norton Finance, you will most times have to give:

  • Proof of ID (a passport or driving licence)
  • Proof of current address (a utility bill, council tax letter, or a bank statement)
  • Proof of income (recent payslips, a P60, or a SA302 if you are self-employed)
  • Mortgage statement (to show the current balance)
  • Bank statements (at least 3 months’ worth)
  • Additional information like proof of buildings insurance if they ask for it

Giving all your documents at the start is a helpful way to make things go faster. It can help reduce the time it takes to process your request. This way, you get approval more quickly.

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How to Compare Norton Finance Loans

When you look at Norton Finance secured loans, you need to check how they stack up against others. This helps you see things like loan terms, APR, and the overall cost. By doing this, you make sure to get the best option for you.

Look at:

  • The rate of interest is key. You should check if it is fixed or if it may change later.
  • The loan terms will shape how much you pay each month and the total amount you will have to pay back for the loan.
  • Look out for any fees to be sure there are no hidden charges that you don't know about.
  • Think about Norton’s name and many years in this work. See how it stands next to other specialist consumer finance platforms or mainstream lenders.

Why use Free Price Compare to compare Norton Finance loans?

Free Price Compare teams up with lenders that are approved by the FCA. This includes Norton Finance. When you use our service, you can:

  • Look at offers from several lenders, and not just one.
  • Check if you qualify by using a soft search. This will not lower your credit score.
  • You can see deals from a wide panel of lenders in one spot.
  • Get help to choose loans that fit your personal circumstances.
  • Feel sure knowing we work as a broker and not a lender. You do not have to go ahead if you do not want to.
Why use Free Price Compare to compare Norton Finance loans

FAQs About Norton Finance Loans

Yes, Norton Finance is allowed and controlled by the Financial Conduct Authority. The company registration number for Norton Finance is shown on the FCA’s register. Norton is in the Association of Mortgage Intermediaries. This helps to show that Norton Finance has good standards and cares about doing things the right way.

Loan amount can be from £10,000 to £500,000. How much you can get will depend on your home equity, your income, and your credit history. The maximum loan amount you may get is based on how much your property is worth and what the maximum LTV Norton offers.

You can use them for debt consolidation, fixing up your home, getting a car, or paying for big things in your life like your education or that dream holiday you want. People who want money for their first investment property or who need additional funds may also find these loans helpful, as long as they meet the rules.

The application process usually takes about 2 to 4 weeks. The time depends on how fast the value is checked, the paperwork, and making sure you can afford it. A simple application can be done faster if you give all the needed documents quickly.

The biggest risk is that the home is used as collateral for the loan. If someone misses payments, the home could be taken away. There might be an early repayment fee if you pay off the balance before the end of the term. Taking a longer loan term can make the total amount you pay over time go up, even though monthly payments feel smaller. Norton's advisers help customers every step of the way and make sure the risks and good points are clear.

Important Notice: Take time to think before you use your home to guarantee other loans. Your home can be taken away if you do not pay all the money you owe for your mortgage or any other loan linked to it.

Free Price Compare is authorised by the Financial Conduct Authority. We follow all their rules. The company works as a credit broker. We are not a lender.

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Page last updated on: 01/09/2025

Page reviewed by: Andrea Troy

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